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by canderson
Thu May 21, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 55
Views: 7868

Re: Don't come to Europe with a new chip and sign credit card

I've been in Englahd fur a week and a half, flying home tomorrow.

My Chase Sapphire Preferred Chip + Sig card has worked everywhere. Country pubs, Underground unmanned kiosks, roadside concession stands, hotels. Not once has it been declined
by canderson
Tue Apr 28, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Tips on travel to Bermuda?
Replies: 11
Views: 1228

Re: Tips on travel to Bermuda?

We were there last August, it was oppressively hot. And I'm from Texas!

It's a beautiful island and the bus system makes it incredibly easy to get around. You no longer have to wear a tie or coat anywhere at anytime thankfully!

It's very expensive and staying in Hamilton makes it most convenient.
by canderson
Sat Apr 25, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Cruises
Replies: 35
Views: 4489

Re: Cruises

We have used bestpricecruises.com, Vacations2Go and AAA, along with our membership club travel agent.

bestpricecruises.com IMO is easiest and cheapest to deal with, has no cancellation fees and gives often a boatload of on-vp board spending credit.
by canderson
Wed Apr 01, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 4566

Re: Tesla to start making Batteries for Home Solar

Could these by an alternative to whole-home generators? We live in a city, have natural gas and no fireplace. I'm always scared of long power outages in winter since we have no alternative heat source and running a generator isn't practical due to space/potential theft. Could a battery like this pla...
by canderson
Wed Mar 25, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 1029

Re: Booking a cruise online

We cruise regularly.

VacatinsToGo, bestpricecruises.com, and cruisecompete.com are your friend.
by canderson
Thu Mar 12, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6440

Re: $600 night guard for teeth grinding, really?

My wife was quoted $640 for hers. She called around and found the lowest was $320. Went back to her normal dentist and presented the ultimatum: $320 or I get it elsewhere.

She had it one that day at her normal dentist.

Like many things, these are highly inflated but negotiable.
by canderson
Sun Feb 22, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7971

Re: How much was your Tax Refund (or amount DUE)

$23,000 on the 1099 DIV capital gains killed me. I wish I knew enough to not have to owe so much other than increase my paycheck withholding. Capital gains on a 1099-DIV means that you are holding funds in taxable that have had capital gains distributions. It may be hard to get out of it now, but t...
by canderson
Sat Feb 21, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7971

Re: How much was your Tax Refund (or amount DUE)

Owe the fed $3.145. Owe Pennsylvania about $940.

$23,000 on the 1099 DIV capital gains killed me. I wish I knew enough to not have to owe so much other than increase my paycheck withholding.
by canderson
Sat Feb 21, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1527

Re: Going to Austin, TX in March. What should we be doing?

Not a bad idea in any event. Lots of terrific driving scenery and some interesting small towns. Plus you can drive like 110 mph on TX 130 and get passed on the right. :) I may have to make a special effort to get back sometime soon then :happy Do people still pull over and drive on the shoulder of ...
by canderson
Sat Feb 21, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1527

Re: Going to Austin, TX in March. What should we be doing?

Torchy's Tacos. Gingerbread pancakes at Magnolia's. Tour the Capitol. Eat at Chuy's. Visit Mt. Bonnell. If you're there during SXSW however ... abandon all hope and instead explore the hill country . If you have time take a daytrip to Shiner (brewery tour) then Lockhart (Black's). I'm honestly not ...
by canderson
Sat Feb 21, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1527

Re: Going to Austin, TX in March. What should we be doing?

Torchy's Tacos. Gingerbread pancakes at Magnolia's. Tour the Capitol. Eat at Chuy's. Visit Mt. Bonnell. If you're there during SXSW however ... abandon all hope and instead explore the hill country. If you have time take a daytrip to Shiner (brewery tour) then Lockhart (Black's). I'm honestly not on...
by canderson
Sun Feb 15, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 4335

Re: Does anyone like the new Toyota/Lexus grilles?

We have a 14 RAV4 and like it. . I have a 2008 RAV4 which I like for short distances and when I need 4WD but it has the most uncomfortable seats I've ever sat in, it is loud (road noise) and it has been recalled six times. Are the new ones any better? We have the Limited and I find them comfortable...
by canderson
Sun Feb 15, 2015 9:54 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 4335

Re: Does anyone like the new Toyota/Lexus grilles?

We have a 14 RAV4 and like it. I LOVE the new Lexus NX grilles, so much it is pushing me to but one soon.
by canderson
Wed Feb 11, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6776

Re: Where to buy nice men's dress shirts?

Charles Tyrwhitt is amazing.
by canderson
Tue Feb 10, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a mess?
Replies: 31
Views: 4043

Re: Am I a mess?

The car rate is killer. The $25,000 in cash is quite substantial imo compared to most of your (and mine) peers, though, so it's not all dire news.

Pay that car off ASAP, along with your other debts, then your credit score can start to improve.
by canderson
Sun Feb 08, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Looking for ideas for a romantic getaway
Replies: 31
Views: 2318

Re: Looking for ideas for a romantic getaway

Your points may not get you this far but a neighbor took his wife on a surprise 10th anniversary trip and told her to take her passport. The surprise was .... drum roll .... a week in Paris. I'm doing his exact same thing in May for our 10th, except London. It isn't the beach, and it's pricey, but ...
by canderson
Mon Jan 19, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Re: Loss of water pressure when using hot water

livesoft wrote:The cynic in me tells me they knew it was the cold water supply, but did the hot-side first so they could get you to pay for twice the work.

Ha! I'd guess no, this guy has given us all sorts of supplies with no costs over the years, he's not one to screw us over (I don't believe at least!).
by canderson
Mon Jan 19, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Re: Loss of water pressure when using hot water

Update! Plumber came and solved the issue. Turns out it was a dielectric nipple failure in the cold water supply to the heater. He first replaced the hot water dielectric nipple but the symptoms didn't change. Expansion tank is in good shape, he said, as is the water heater itself. Other than the sm...
by canderson
Thu Jan 15, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Re: Loss of water pressure when using hot water

After 10 years I would guess that the thermal expansion take may have failed if you have one. This is the 2 gallon jug-looking thing on the pipe near your water heater. A failed expansion tank can result in increased hot water pressure when the water heater has been heating for a while (like overni...
by canderson
Thu Jan 15, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Re: Loss of water pressure when using hot water

If it's multiple sinks then it has to be a leak in the main line or the tank itself. Did you lose cold pressure? Loss of pressure to me would make me immediately look under the house and the tank for a leak. Then I would go to the main and see if it's leaking. I would turn off every faucet and see ...
by canderson
Wed Jan 14, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Re: Loss of water pressure when using hot water

Thanks everyone. All looks good regarding valves. I'll call the plumber tomorrow, I'm off Monday so should be able to get a visit then. In case the water heater is on its last legs, any advice on new ones? Only requirement is I'd like a digital temp reading where we can set vacation mode easily. We ...
by canderson
Wed Jan 14, 2015 8:29 pm
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2295

Loss of water pressure when using hot water

In the past few days we have experienced a loss of water pressure the hotter the water is. It is in our master shower specifically, but I can mimic it in multiple sinks upstairs and downstairs. There is still pressure, but I'd guess about half of what it is when set to cold only. Also, the water tem...
by canderson
Wed Jan 14, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2621

Re: Options for moving our pets across country

I'll just say I've never known an animal to fly and not be traumatized by the experience. They can be totally different after the experience.
by canderson
Sun Jan 11, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2447

Re: Home Energy Audit - worth it?

This is hardly conclusive. IMO the blower door is a lot more useful than the IR. Most old construction has several square feet (!) of holes between the heated house and the attic and basement. I had >10 sq ft in my house, all buried under insulation (which does not block airlfow). Closing that up s...
by canderson
Sun Jan 11, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2447

Re: Home Energy Audit - worth it?

I work with engineers and Thursday two actually came to the house to do an audit. They wanted a cold day and since it was 6 outside it worked. ;) They didn't do the blower test due to tming issues, but used their infrared scanners everywhere, looked at HVAC, etc. They found a few issues that can't b...
by canderson
Sat Jan 10, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2915

Re: Humidifiers

We too are facing this issue. It is currently 7 outside, indoor humidity upstairs is around 18 percent while downstairs is around 22 percent. Question on whole-home systems: my furnace is 10 years old and in a tight spot, if purchased can the humidifier be used when if I need a furnace replacement? ...
by canderson
Sat Jan 03, 2015 8:58 pm
Forum: Personal Consumer Issues
Topic: Elderly monitoring camera experience
Replies: 7
Views: 1071

Re: Elderly monitoring camera experience

I highly recommend Dropcam. Easy as pie to set up, multiple ways to view feed, audio, recording capabilities.

I have three in my home but as cat monitors wen we travel.:)
by canderson
Thu Dec 04, 2014 7:56 pm
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8510

Re: Where do you shop for groceries?

Wegmans.

Only Wegmans. Best grocer in America.
by canderson
Wed Nov 12, 2014 7:18 pm
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2279

Re: Best microwave to replace kitchen stove

Breville Smart Oven sounds good but how do you feel about these comments........ http://www.amazon.com/Breville-BOV800XL-1800-Watt-Convection-Toaster/product-reviews/B001L5TVGW/ref=cm_cr_dp_qt_hist_one?ie=UTF8&filterBy=addOneStar&showViewpoints=0 I'll always take 1,900+ 5 star comments over...
by canderson
Tue Nov 11, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2279

Re: Best microwave to replace kitchen stove

I HIGHLY recommend the Breville Smart Oven for this. It can bake anything, reheat food, ex. We barely use our oven now honestly because of the appliance.
by canderson
Tue Nov 04, 2014 8:09 pm
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 5123

Re: What do you set your thermostat to (in F)?

Live in Pennsylvania

Winter:
68 from 4-10 p.m.
65 from 5:30-8:30 a.m.
60 all other times

Summer:
73 from 4-10 p.m.
70 from 10 p.m. to 8 a.m.
80 during day
by canderson
Thu Oct 23, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7660

Re: Do you regret buying your home?

I love it, but yes. It has lost maybe $25,000 in value and getting worse as the town is bankrupt, schools among the worst in the state and crime rates around us rising. I don't know if we can honestly get out from under it because I'm not sure it will ever sell. Depresses me to think about. :/ But I...
by canderson
Mon Oct 20, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1949

Re: need new microwave - what happened to Sharp?

Good luck.

We've gone through five microwaves in 7 years. That's not including a three day stretch where we went through three alone.

GE, Whirlpool, LG (the worst!), Sharp .. they're all equally cheap and terrible.
by canderson
Thu Oct 16, 2014 6:21 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5783

Re: Best place (with warm weather) to raise children

Northern suburbs - Cedar Hill area - of Austin, Texas. Bonus: no state income tax.
by canderson
Thu Oct 16, 2014 6:19 pm
Forum: Personal Consumer Issues
Topic: Replacement for tinypic?
Replies: 7
Views: 445

Re: Replacement for tinypic?

http://postimage.org

No account needed, fast uploads, multiple size options, ability to rotate after upload, and a multitude of sharing options. Plus from an iPhone or iPad you can select multiple images at once.
by canderson
Sat Oct 11, 2014 10:56 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 11055

Re: *Best town I've never heard of

Chan_va wrote:Charlottesville va.

This was my first thought as well.

There likely is an area near Nashville that checks all these wants, too.
by canderson
Sat May 10, 2014 9:12 pm
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 2251

Re: Looking for one-of-a-kind London experience for wife

WOW! There are many brilliant ideas posted, thank you all so much. They locking of the Tower is EXACTLY the type of thing I was seeking, as were many others. I'm going to research every mention and I'll most definitely report back soon. Thank you, thank you! Bogleheads are the best, I am a longtime ...
by canderson
Fri May 09, 2014 6:08 pm
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 2251

Re: Looking for one-of-a-kind London experience for wife

chaz wrote:For Mary Antoinette, take her to Paris.

Loooong week, you caught me before the edit. The time around Mary, Queen of Scots (not the French, she loathes Paris ha)!
by canderson
Fri May 09, 2014 5:53 pm
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 2251

Looking for one-of-a-kind London experience for wife

Our 10th anniversary is next spring and I want to surprise the wife with a trip to London. I plan all our trips so it's easy for me, but I'm seeking out one-of-a-kind experiences for this one. A private tour if Buckingham Palace, a private event at a castle or Tower of London, etc. Anything that'd k...
by canderson
Thu Dec 27, 2012 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice, review of portfolio
Replies: 8
Views: 621

Re: Seeking advice, review of portfolio

canderson, When you sell an appreciated asset you pay capital gains tax on your sale price less what you paid for it and sales expense. The rate you pay depends on your tax bracket. It's lower than the rate you pay on wages. What was paid for the asset is sometimes hard to determine if you don't ha...
by canderson
Thu Dec 27, 2012 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice, review of portfolio
Replies: 8
Views: 621

Re: Seeking advice, review of portfolio

I'm not really clear on UTMAs as I hadn't heard of it before we became married. I need to examine the tax implications of withdrawing money from that account. The UTMA should have been transferred to the custody of your wife long ago and would now be no different from any other taxable account. In ...
by canderson
Thu Dec 27, 2012 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice, review of portfolio
Replies: 8
Views: 621

Re: Seeking advice, review of portfolio

JW, thank you for the reply. I should have stated that more clearly - I'd only max out the Roth yearly contribution, not clean out the UTMA altogether. The UTMA has a substantial amount of money in those closed admiral shares at a low (iirc .30) cost. I guess I read too much into your post. If you ...
by canderson
Wed Dec 26, 2012 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice, review of portfolio
Replies: 8
Views: 621

Re: Seeking advice, review of portfolio

JW, thank you for the reply.

I should have stated that more clearly - I'd only max out the Roth yearly contribution, not clean out the UTMA altogether. The UTMA has a substantial amount of money in those closed admiral shares at a low (iirc .30) cost.
by canderson
Wed Dec 26, 2012 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice, review of portfolio
Replies: 8
Views: 621

Seeking advice, review of portfolio

Greetings! First I should say I've long been a Boglehead, but for the last few years due to job issues, health issues and various other things I haven't (unfortunately) paid as much attention to my retirement accounts as I definitely should. Hence, finally registering here for the guidance of fellow...

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